The Social Security Administration (SSA) has announced when the 2025 COLA increase will be applied to Social Security Disability Insurance (SSDI) payments. If you’re wondering whether you’ll see the extra money in December 2024, here’s everything you need to know.
When Will the 2025 COLA Increase Begin?
The 2025 COLA increase of 2.5% will not take effect in 2024 for SSDI recipients. Instead, it will start in January 2025. So, if you’re getting SSDI payments, the increase won’t be part of your December 2024 check.
The only people who might see the 2025 COLA increase in December 2024 are those receiving Supplemental Security Income (SSI) in addition to SSDI. If this applies to you, the increase for SSI will arrive on December 31, 2024.
Payment Dates for SSDI with the 2025 COLA Increase
The first SSDI payment reflecting the 2025 COLA increase will be issued on January 3, 2025, but only if you started receiving SSDI before May 1997.
If you receive both SSDI and SSI, you will see the COLA increase on your SSDI payment beginning on January 3, 2025. For other SSDI recipients, the payment schedule depends on your birthdate:
| Payment Date | Birth Date |
|---|---|
| January 8, 2025 | Born 1st-10th |
| January 15, 2025 | Born 11th-20th |
| January 22, 2025 | Born 21st-31st |
How Much Will the 2025 COLA Increase Be?
The 2025 COLA increase is 2.5%. This means for every $100 you currently receive, you’ll get an extra $2.50.
- If your SSDI payment is $1,000, it will increase to $1,025.
- For those receiving the average SSDI payment of $1,542 in 2024, the new amount will be about $1,580, an extra $38 per month.
- The highest SSDI benefit will rise from $3,822 to $4,018, a significant increase for some.
Why Does the Increase Vary?
COLA adjustments are tied to inflation, but SSDI payments are also affected by the taxable maximum income limits, which can cause differences in increases.
FAQ’s
When will SSDI recipients get the 2025 COLA increase?
The first payment with the COLA increase will be on January 3, 2025, for early recipients.
How much will my SSDI payment increase?
Your payment will go up by 2.5%, or $2.50 for every $100 you receive.
Who gets the COLA increase in December 2024?
Only those receiving Supplemental Security Income (SSI) alongside SSDI will see the increase on December 31, 2024.